Mentally everyone is thinking about the holidays, but physically you need to think about your health. Really, what I mean is health insurance. Do you have health insurance? Do you need health insurance? The Marketplace for health insurance open enrollment ends on Dec. 15, 2020 for this enrollment period. This means that your window of opportunity to enroll is winding down for this year. There are special enrollment periods, but we will save that for another blog.
Enrolling starts by visiting Healthcare.gov. The site provides a checklist that includes all of the information you need to enroll and it is easy to get help from Marketplace-certified Assisters. Over 11 million consumers are enrolled in health insurance through the Marketplace. If you are one of the 11 million, don’t forget to re-enroll for this year.
Your coverage will begin on January 1, 2021. Once you have health insurance, let me share a few tips for using your health insurance. Find out what your policy covers if you haven’t already done so. This information can be found in the Evidence of Coverage pamphlet. Often this is mailed to you but can also be found on your health insurance provider’s website.
Make sure you carry your health insurance with you at all times. This includes policy information necessary for billing. Often it includes co-payment amounts and a number to call with questions.
You will want to make sure the doctors you visit are in-network. Using in-network doctors will save you money.
Be sure to use your preventative services such as annual checkups, certain screenings such as mammograms, vaccines like the flu shot and shingles, and childhood vaccines and immunizations. Using preventative services helps to keep you healthy and detect issues early.
The last two tips include keeping track of important papers and estimating your healthcare costs. Healthcare costs can be expensive and planning for expected costs can prepare you financially. Tracking paperwork assists in resolving medical disputes and prepares you for enrollment the following year.
Remember that time is running out. The 15th is only a few days away. Having health insurance can provide you with peace of mind this holiday season. Best wishes!